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Rates vary from company to company. For example, full coverage from State Farm for a 20-year-old costs $4,452 a year, on average, while the ...These are among the best rates and MOOPs families in New York can expect to find from providers in the state. iDirect Silver Copay HSAQ Silver NS OON IHC Network Marketplace Dep25: $1,433 per month (MOOP $7,100) iDirect Silver Copay HSAQ Silver NS OON IHC Network Marketplace Dep29: $1,447 per month (MOOP $7,100)Email us at [email protected]. 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